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Ripple and Stellar networks have been highlighted as key innovation engines within the G20 framework, according to a report from the U.S. Faster Payments Council. The report positions these networks as pivotal to accelerating both domestic and cross-border payments, with a roadmap aimed at making global payment systems faster, more transparent, and more economical by 2030.
The G20’s stated goals include settling 75% of international payments within one hour and reducing transaction costs to as low as a single cent by 2027. The broader technology and policy direction also ties into achieving 90% global financial inclusion by 2030.
Within this context, the report identifies Ripple and Stellar as key technological contributors, emphasizing their ability to support real-time settlement and end-to-end transparency. It also notes the need for real-time tracking and predictability in settlement timeframes for every money transfer.
The market focus includes the liquidity of XRP and XLM, whose market capitalizations are described as supporting ecosystems worth billions of dollars. The report frames these assets as part of an approach intended to mitigate volatility through real-time settlement systems.
It also states that Ripple Payments—designed for financial institutions—already meets the report’s cost and operational efficiency requirements for scalability and immediate operational performance, aligning with the G20’s target of driving transaction costs down to one cent by 2027.
Stellar is described as specializing in interoperability connectors between different fiat currencies, supporting practical cross-border use cases. The report also characterizes the networks’ architecture as capable of processing thousands of transactions per second with minimal energy consumption, linking this efficiency to sustainability policies adopted by central banks.
For transparency, the report emphasizes total end-to-end visibility, including real-time tracking and predictable settlement timelines.
The report cites institutional and regional adoption as evidence of progress from experimentation toward industry standards.
The report frames the recognition of Ripple and Stellar in U.S. and G20 financial reporting as a milestone, arguing that these networks are not only cryptocurrencies but also foundations for a new international financial order.
It further states that Ripple’s vision aims to streamline and, in some cases, replace legacy systems such as SWIFT to reduce frictions that make capital movement between developed and emerging nations more expensive.
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